Safe Rate Local
Learn about the people, housing, costs and businesses across Montana
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Montana.
True all-in cost — P&I, taxes, insurance & utilities for homes in Montana.
Find and compare lenders active near Montana.
FEMA flood zones and flood insurance estimates for Montana.
Seismic risk and earthquake insurance estimates for Montana.
Wildfire exposure and insurance estimates for Montana.
As of today, the 30-year fixed mortgage rate for Montana is approximately 6.815% (6.866% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for MontanaThe median home value in Montana is $401k. The median monthly rent is $1,143. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Montana have increased 17.9% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,161/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $50k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Montana is $75k/year.
Calculate your buying powerThe largest employment sectors in Montana are public administration (23%) and healthcare (10%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.